Ready to start your engines for the summer driving season? Will our cars lead us into the next recession? Although auto sales declined substantially this year, the real story is that the subprime bubble in auto lending is now showing cracks. How will this impact...
Hard Money Blog
Happy 4th are you “prepared” to impress your friends?
I wanted to wish each of you and your families an enjoyable 4th of July. Most of us spend a little time getting ready for the 4th, but this guy took it a step farther preparing for years. I’m not sure why anyone would want to balance a running lawnmower on your...

4 free easy steps to protect yourself from real estate fraud
With the “hot market” back in many cities throughout the country, fraud is also up substantially. It is not your typical fraud like we saw in the last recession but a new breed that is extremely sophisticated and can impact buyers and sellers of both commercial and...

Are you dressed for real estate success?
Do you have the proper “accessories” to excel in real estate? Do brands matter to increase your sales? Will your clothes help you “close” the real estate sale? I’m talking about your actual real estate that is! Is your commercial or residential real estate...
Will rates rise or fall? Let it float or lock? What should you do today?
Seems like rates are all over the place with predictions awash. Interest rates are driven primarily by future expectations of the economy along with geopolitical risks (flight to quality). What does this all mean for rates? What should you do? Speaking of...

Ready for a summer boost to your credit score?
It’s like getting a free scoop of ice cream 😊 According to Equifax about 11 million borrowers will have their credit scores increased by at least 20 points starting in July. Will you be impacted? What is the change? What information is now excluded? Is...

Your zestimate sucks!
This weekend I was asked to lend on a file in Colorado. The borrower mentioned his zestimate was 250k. I was intrigued because the house was not in the nicest area. His zestimate value sucked…. Zillow also thinks it sucks since they are offering $1m to anyone who...

Can you spot a B.S. appraisal?
Are we partying like it is 2007 again? Hopefully everyone hasn’t forgotten the last real estate party and how badly it ended. With the market on fire in many locations throughout the country, there is increasing pressure to get transactions closed. According to a...

Want to close before summer starts and you head out on vacation?
Want to close before you put on the bathing suit and attempt a cannonball or whatever "trick" the guy above is attempting? Annoyed by the games of other lenders promising the moon only to find out later that they aren’t really lenders and can’t close? Do you have a...

Should Death Rates influence real estate investing?
When investing in real estate there are a myriad of factors to consider. Should one of the factors be death rates? Ironically, I’m not talking about crime statistics. There was a recent article in a Ski town newspaper (Steamboat Pilot) highlighting the number of...

A picture is worth a thousand words
The above pic was the first photo on a listing in Colorado. I’m still trying to figure out what is for sale! With this in mind, we started an Instagram account to showcase our real estate adventures … from my windshield to yours 😊 At Fairview, we are...
What does your bank know that you don’t?
Shh! There is a big secret going on in the banking community. Do you know what it is? About six months ago I started seeing an interesting trend. Many banks were starting to be a little more conservative on their underwriting. In essence, banks were tightening...

You have 12 months. Are you ready? 4 steps to take today
Jim Rogers, the famous investor and republican supporter who called the last recession, recently said “there was a 100 percent probability that the U.S. economy would be in a downturn within one year.” (see articles below). I’m not convinced we are 12 months out, but...

4 impacts to real estate from the Trump “Bump” and recent THUMP!
Anyone watching the markets recently has seen a marked reversal from the initial Trump Optimism. The recent “great healthcare” reform promised by the president imploded. Because of this implosion and implications on future tax measures. There are 4 immediate...

Do not buy or sell real estate today
We lost an hour Sunday! I’m sure like most folks I’m not a big fan of losing sleep. I’m not alone in my dislike for time change. There is evidence that changing the clocks causes a spike in car accidents, strokes, and heart attacks. In general folks seem a...

What is the #1 mistake made by commercial appraisers?
I recently looked at a warehouse property that was just purchased for 500k. They only needed 200k. I thought the loan should be a no brainer until I started digging and found out the property was only worth around 200k! How could there be this large of a...

Should you follow the big dogs out the door on commercial real estate?
In 2016 commercial real estate deal volume fell by 11% for the first time since 2009! According to a recent Wall Street Journal report, some prominent real estate investors are reducing their holdings and taking money off the table. Who is pulling back? What...

Will your neighborhood tank? Why I just sold
Last week I wrote about the large increase in flips in Atlanta. I was surprised that Atlanta was above its pre-recession peak. This got me thinking about Denver. In the Denver news today, it was reported that foreclosures recently increased for the first...

Atlanta tops house flipping list, this chart should scare you
There was an article in the Atlanta Journal and Constitution this morning highlighting Atlanta as the number 8 metro market for flipping. Why should you care? Do you remember 2008 and how badly it ended for markets like Atlanta. I did an analysis of the raw...
What does Trumponomics mean for real estate?
With Trump's first work day today, what does the new Trump presidency mean for real estate? Is Trump the “inflation president”? What does this mean for rates and real estate values? Will commercial and residential real estate continue to soar? Are certain markets...

Real Estate sales falling out doubles, why, what can you do?
A recent Trulia analysis of U.S. listings shows that 3.9 percent of homes that moved from for-sale to pending moved back to for-sale again, nearly double the rate in 2015. What is the number one reason sales typically fall out? Financing is the number one...

2017: the year of the moose; are you ready?
We’ve all heard the predictions for 2017, rates will be X, employment will be Y, the sky will be blue, but also might fall depending on 18 different variables from armchair economists. What should you believe and what should you do? I had a crash course in 2017...

Will bulls or bears rule real estate in 2017
2017 promises to be an interesting year for real estate investors. Will the bulls continue to run rampant driving up prices or are the bears going to finally come out to play? Although real estate is market specific (for example Detroit vs. Denver) there are...
Happy Holidays: Are you ready for holiday travels?
I hope everyone has had a great 2016 and is looking forward to the new year. I wanted to wish everyone safe travels for the holiday season. Don’t forget before you head to the airport to remember your driver’s license. This brings me to the picture above. A man in...
Will we drive into the next recession? How will this impact real estate?
Ready to start your engines for the summer driving season? Will our cars lead us into the next recession? Although auto sales declined substantially this year, the real story is that the subprime bubble in auto lending is now showing cracks. How will this impact...
Happy 4th are you “prepared” to impress your friends?
I wanted to wish each of you and your families an enjoyable 4th of July. Most of us spend a little time getting ready for the 4th, but this guy took it a step farther preparing for years. I’m not sure why anyone would want to balance a running lawnmower on your...

4 free easy steps to protect yourself from real estate fraud
With the “hot market” back in many cities throughout the country, fraud is also up substantially. It is not your typical fraud like we saw in the last recession but a new breed that is extremely sophisticated and can impact buyers and sellers of both commercial and...

Are you dressed for real estate success?
Do you have the proper “accessories” to excel in real estate? Do brands matter to increase your sales? Will your clothes help you “close” the real estate sale? I’m talking about your actual real estate that is! Is your commercial or residential real estate...
Will rates rise or fall? Let it float or lock? What should you do today?
Seems like rates are all over the place with predictions awash. Interest rates are driven primarily by future expectations of the economy along with geopolitical risks (flight to quality). What does this all mean for rates? What should you do? Speaking of...

Ready for a summer boost to your credit score?
It’s like getting a free scoop of ice cream 😊 According to Equifax about 11 million borrowers will have their credit scores increased by at least 20 points starting in July. Will you be impacted? What is the change? What information is now excluded? Is...

Your zestimate sucks!
This weekend I was asked to lend on a file in Colorado. The borrower mentioned his zestimate was 250k. I was intrigued because the house was not in the nicest area. His zestimate value sucked…. Zillow also thinks it sucks since they are offering $1m to anyone who...

Can you spot a B.S. appraisal?
Are we partying like it is 2007 again? Hopefully everyone hasn’t forgotten the last real estate party and how badly it ended. With the market on fire in many locations throughout the country, there is increasing pressure to get transactions closed. According to a...

Want to close before summer starts and you head out on vacation?
Want to close before you put on the bathing suit and attempt a cannonball or whatever "trick" the guy above is attempting? Annoyed by the games of other lenders promising the moon only to find out later that they aren’t really lenders and can’t close? Do you have a...

Should Death Rates influence real estate investing?
When investing in real estate there are a myriad of factors to consider. Should one of the factors be death rates? Ironically, I’m not talking about crime statistics. There was a recent article in a Ski town newspaper (Steamboat Pilot) highlighting the number of...

A picture is worth a thousand words
The above pic was the first photo on a listing in Colorado. I’m still trying to figure out what is for sale! With this in mind, we started an Instagram account to showcase our real estate adventures … from my windshield to yours 😊 At Fairview, we are...
What does your bank know that you don’t?
Shh! There is a big secret going on in the banking community. Do you know what it is? About six months ago I started seeing an interesting trend. Many banks were starting to be a little more conservative on their underwriting. In essence, banks were tightening...

You have 12 months. Are you ready? 4 steps to take today
Jim Rogers, the famous investor and republican supporter who called the last recession, recently said “there was a 100 percent probability that the U.S. economy would be in a downturn within one year.” (see articles below). I’m not convinced we are 12 months out, but...

4 impacts to real estate from the Trump “Bump” and recent THUMP!
Anyone watching the markets recently has seen a marked reversal from the initial Trump Optimism. The recent “great healthcare” reform promised by the president imploded. Because of this implosion and implications on future tax measures. There are 4 immediate...

Do not buy or sell real estate today
We lost an hour Sunday! I’m sure like most folks I’m not a big fan of losing sleep. I’m not alone in my dislike for time change. There is evidence that changing the clocks causes a spike in car accidents, strokes, and heart attacks. In general folks seem a...

What is the #1 mistake made by commercial appraisers?
I recently looked at a warehouse property that was just purchased for 500k. They only needed 200k. I thought the loan should be a no brainer until I started digging and found out the property was only worth around 200k! How could there be this large of a...

Should you follow the big dogs out the door on commercial real estate?
In 2016 commercial real estate deal volume fell by 11% for the first time since 2009! According to a recent Wall Street Journal report, some prominent real estate investors are reducing their holdings and taking money off the table. Who is pulling back? What...

Will your neighborhood tank? Why I just sold
Last week I wrote about the large increase in flips in Atlanta. I was surprised that Atlanta was above its pre-recession peak. This got me thinking about Denver. In the Denver news today, it was reported that foreclosures recently increased for the first...

Atlanta tops house flipping list, this chart should scare you
There was an article in the Atlanta Journal and Constitution this morning highlighting Atlanta as the number 8 metro market for flipping. Why should you care? Do you remember 2008 and how badly it ended for markets like Atlanta. I did an analysis of the raw...
What does Trumponomics mean for real estate?
With Trump's first work day today, what does the new Trump presidency mean for real estate? Is Trump the “inflation president”? What does this mean for rates and real estate values? Will commercial and residential real estate continue to soar? Are certain markets...

Real Estate sales falling out doubles, why, what can you do?
A recent Trulia analysis of U.S. listings shows that 3.9 percent of homes that moved from for-sale to pending moved back to for-sale again, nearly double the rate in 2015. What is the number one reason sales typically fall out? Financing is the number one...

2017: the year of the moose; are you ready?
We’ve all heard the predictions for 2017, rates will be X, employment will be Y, the sky will be blue, but also might fall depending on 18 different variables from armchair economists. What should you believe and what should you do? I had a crash course in 2017...

Will bulls or bears rule real estate in 2017
2017 promises to be an interesting year for real estate investors. Will the bulls continue to run rampant driving up prices or are the bears going to finally come out to play? Although real estate is market specific (for example Detroit vs. Denver) there are...
Happy Holidays: Are you ready for holiday travels?
I hope everyone has had a great 2016 and is looking forward to the new year. I wanted to wish everyone safe travels for the holiday season. Don’t forget before you head to the airport to remember your driver’s license. This brings me to the picture above. A man in...